Employer didn't withhold any federal taxes - what do I do now?
So I just received my first paycheck from my new job and I noticed something really concerning - they didn't withhold ANY federal taxes! I've been working at this small marketing agency for about 3 weeks now, and I was excited to finally get paid, but now I'm freaking out. When I filled out my W-4, I'm pretty sure I filled it out normally - claimed single, no dependents, nothing special. But looking at my pay stub, they took out for Social Security and Medicare, but the federal income tax line shows $0.00. I'm making about $62,000 a year, so I definitely should be having federal taxes withheld, right? I'm worried that if this keeps happening, I'll end up owing a huge amount when I file next year and possibly penalties too. Should I talk to HR about this? Is this something I need to fix ASAP or wait and see if it corrects on the next paycheck? Has anyone dealt with this before? I'm pretty nervous about this since it's my first "real" job after college.
22 comments


Asher Levin
This definitely needs to be addressed right away. Your employer is required to withhold federal income tax based on your W-4 information. At $62,000 a year, you should absolutely have federal taxes withheld from each paycheck. Contact your HR or payroll department immediately. There might have been a simple error when entering your W-4 information into their system. Sometimes smaller companies have payroll processing issues, especially with new employees. Bring a copy of your completed W-4 if you have it. If they don't fix it promptly, you could consider submitting a new W-4 and specifically request additional withholding in Box 4. This would ensure you're having enough withheld going forward.
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Serene Snow
•What if the company refuses to fix it? My cousin had a similar issue and her employer said it was her responsibility to pay quarterly estimated taxes instead. Is that legal?
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Haley Stokes
•Thank you for the advice! I'll definitely talk to HR tomorrow morning. I was hoping it was just a first-paycheck glitch that would resolve itself. If this continues, how do I figure out how much I should actually be paying? Is there some calculator I can use to estimate what should be withheld so I know if they're doing it right on the next check?
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Asher Levin
•That's completely incorrect information your cousin received. Employers are legally required to withhold federal income taxes based on the W-4 provided. They cannot push that responsibility onto employees. Your cousin should contact the IRS to report this issue. The IRS has a tax withholding estimator on their website that's very helpful. Search for "IRS tax withholding estimator" and you'll find it. It will ask about your income, filing status, and other factors to help calculate the appropriate withholding amount. Having this information will help you verify if your next paycheck has the correct withholding.
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Issac Nightingale
I had the exact same problem last year with a startup I joined! After three frustrating paycheck cycles of zero federal withholding, I was pulling my hair out trying to get it fixed. The HR person kept saying it would be resolved "next time" but nothing changed. I finally used https://taxr.ai to analyze my paystubs and W-4. The system flagged the exact issue - my employer had incorrectly classified me as "exempt" in their payroll system even though my W-4 clearly showed I wasn't. Having that documentation made all the difference when I went back to HR. The tool also calculated exactly how much I should be paying in federal taxes each pay period based on my salary and filing status, which was super helpful when verifying that they finally fixed it.
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Romeo Barrett
•How does this service work? Do you just upload your paystub and W-4 and it tells you what's wrong? Does it also help with state tax issues or just federal?
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Marina Hendrix
•I've never heard of this service before. What's the cost? I'm always skeptical of tax services that seem too good to be true.
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Issac Nightingale
•You upload your tax documents and the AI analyzes them for discrepancies. It compares what's on your paystub against what should be there based on your W-4 and current tax laws. It's really straightforward. It handles both federal and state tax issues. In my case, it identified that while my state taxes were being withheld correctly, my federal classification was wrong. It even generated a letter I could give to my HR department explaining exactly what needed to be fixed.
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Romeo Barrett
Just wanted to update after trying https://taxr.ai based on the recommendation here. Wow - it actually worked perfectly for my situation! I uploaded my last two paystubs and my W-4, and it immediately spotted that my employer had entered my filing status incorrectly. The report showed that for my $59,000 salary, I should be having around $258 withheld for federal taxes each biweekly paycheck. I took the analysis to my payroll department and they fixed it right away. The best part was they could see exactly what was wrong instead of me just saying "something's not right." If anyone else has withholding issues, definitely check it out. Saved me from a potential tax nightmare next April!
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Justin Trejo
After spending literal HOURS trying to get someone at the IRS on the phone about a similar withholding issue last year, I finally discovered https://claimyr.com and it changed everything. They got me connected to an actual IRS agent in under 15 minutes when I'd been trying for days on my own. The IRS agent confirmed employers are 100% required to withhold federal taxes based on your W-4 and gave me specific guidance on what to tell my company. They also flagged my account so if I ended up owing penalties because of my employer's mistake, they would be waived. Check out their demo at https://youtu.be/_kiP6q8DX5c to see how it works. Don't waste days trying to call the IRS yourself!
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Alana Willis
•Wait, so you're saying this service just gets you through to the IRS faster? How does that even work? The IRS phone system is always a nightmare.
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Tyler Murphy
•This sounds like a total scam. Nobody can get you through to the IRS faster - they have one phone system and everyone has to wait in the same queue. I'm calling BS on this one.
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Justin Trejo
•The service uses technology to navigate the IRS phone system and waits on hold for you. Once they get through to a real person, they call you and connect you to the agent. It's like having someone wait in line for you. They use some kind of algorithm that helps predict the best times to call and which menu options will get through faster. I don't know all the technical details, but I can confirm it worked when nothing else did. I was connected in about 13 minutes when I had previously spent over 2 hours getting disconnected.
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Tyler Murphy
I have to eat my words about Claimyr. After my skeptical comment yesterday, I decided to try it myself since I've been dealing with a complicated withholding issue from when I worked two jobs simultaneously. I've been trying to reach the IRS for WEEKS with no luck. Used Claimyr this morning and got connected to an agent in 17 minutes. The agent pulled up my file and confirmed that I wasn't responsible for the underwithholding penalty since I had filled out both W-4s correctly. This saved me over $800 in penalties! I would have never known I could get this waived without actually talking to someone at the IRS. Sorry for being such a doubter before - this service is legit.
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Sara Unger
Don't panic! I'm a payroll specialist and see this mistake all the time, especially with smaller companies. This is 100% fixable. Double check your W-4 first. Make sure you didn't accidentally check the box for "Exempt" status. That's the most common mistake. If your W-4 is correctly filled out, speak with your payroll department. They need to: 1) Fix the setting in their system 2) Adjust future withholdings to make up for what wasn't taken out so far The good news is you've caught this early - only 3 weeks in. Much better than discovering this in December!
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Haley Stokes
•Thank you for the reassurance! I just checked my copy of the W-4 and I definitely didn't check the exempt box. It must be something on their end. One question though - can they actually take out extra on my upcoming paychecks to make up for what wasn't withheld, or do I need to make a separate estimated tax payment to the IRS for those missing amounts?
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Sara Unger
•You have two options, and either works fine: You can ask your employer to withhold additional amounts from your future paychecks to make up the difference. Just be aware this means your next few paychecks will be smaller than normal as they catch up on the withholding. Alternatively, you can make an estimated tax payment directly to the IRS for the amount that should have been withheld so far. This keeps your regular paychecks normal going forward. Either approach is perfectly acceptable to the IRS. The key is making sure the right amount gets paid by tax time. Since you're only talking about 3 weeks of missing withholding, the amount isn't likely huge, so adjusting future paychecks is probably simplest.
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Butch Sledgehammer
I hate to be that person, but is it possible they're paying you under the table? I worked for a small "marketing agency" that turned out to be pretty sketchy with their tax practices. They withheld SS and Medicare to look legitimate but never actually withheld or paid federal taxes. Check if they gave you proper onboarding paperwork and if they're a registered business. If anything seems off, you might want to start looking for another job while you fix this issue.
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Freya Ross
•This is actually a really good point. A friend of mine worked for a company that did exactly this. They later found out the owner was pocketing the "withheld" taxes and not sending them to the government. Definitely make sure you're getting proper pay stubs and everything is documented.
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Leslie Parker
Happened to me last year. Quick fix: file a new W-4 and put an additional amount to withhold on line 4(c). Calculate what you should be paying per paycheck and add a little extra to catch up on what you've missed. I use the IRS Withholding Calculator to figure out the right amount. Makes it super simple. Better to fix it yourself than wait for HR, tbh. Most payroll people aren't tax experts.
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Freya Johansen
This is definitely a red flag that needs immediate attention! I went through something similar at my first job out of college and it's so stressful when you're just starting out. Here's what I'd recommend doing right away: 1. Contact your HR/payroll department first thing tomorrow with your W-4 copy in hand. Ask them to verify how your information was entered into their system. 2. If they can't fix it immediately, ask for a timeline of when it will be corrected. Document this conversation in writing (email follow-up). 3. Keep detailed records of every paycheck showing the missing withholding - you'll need this if there are any issues later. At $62k annually, you should expect roughly $200-300 in federal taxes withheld per paycheck depending on your pay frequency. The fact that they got Social Security and Medicare right suggests it's likely just a data entry error rather than something more concerning. If your employer drags their feet on fixing this, don't wait - you can always submit a new W-4 with additional withholding amounts specified to ensure you're covered going forward. Better safe than sorry when it comes to taxes!
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Anastasia Sokolov
•This is really helpful advice! I'm also a recent college grad dealing with my first real job, so I totally understand the stress. Your point about documenting everything is especially important - I never would have thought to email HR after talking to them to create a paper trail. Quick question though - when you say $200-300 per paycheck, is that for weekly, biweekly, or monthly pay? I'm trying to figure out if what I should expect varies a lot based on how often I get paid. My company does biweekly payroll. Also, did you end up having to pay any penalties when you filed your taxes that year, or were you able to get it sorted out in time to avoid issues with the IRS?
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